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Credit file amemdment

Joining in
  • To Whom this may concern,


Please take the time to read and consider the below information.


I am writing to you in reference to a default notice on my credit file with your company for the amount of £14.00 from 2017.


I would like to express my complete disappointment regarding this matter for several reasons:


· I received a refund from Virgin media in regard to this account for the sum of roughly £25.00 in 2021
· I have never been made aware of the apparent outstanding balance and therefore have not had fair and ample opportunity to deal with it or pay it and therefore prevent the default on my credit file
· I am in the process of applying for a mortgage and despite me paying this last week, I have now been informed that the default will only show as satisfied and not as clear
· I am not happy with this outcome – I would like to discuss the process involved in applying the default to my account, especially for such a minimal figure

I hope you are able to assist me with this matter with the utmost urgency


I will be seeking advice from the CAB and the financial ombudsman if required




Garvey Barnes


Alessandro Volta

If VM have previously settled the account, but then put on a file a default, they're processing inaccurate data.  As a matter of course, you should complain to the ICO that VM have been processing inaccurate personal data, a direct breach of data protection laws.  ICO won't sort out your complaint, they'll consider VM's performance in the light of other complaints they get and act accordingly.

You may also want to contact Citizens Advice - I'm certain there's relevant consumer protection law that applies here, in the context of a company saying an account is settled, and then reporting it to credit reference agencies as defaulted.  As a short term measure you may want to add a Notice of Correction to your credit history with the three big credit reference agencies, although that doesn't address VM's bungling, just presents your side of the story.

In terms of how you and VM choose to settle this matter, make sure the company settle according to the level of inconvenience and distress that applies.  Forum staff should be able to resolve this, if there's any difficulty with any aspect, then raise a formal complaint with VM in writing and by recorded post, see if that works (probably not) and if not then reject the VM resolution asking for a deadlock letter.  With a deadlock letter you can take the matter to CISAS, the industry complaints adjudicator.  You could alternatively use the Financial Ombudsman instead of CISAS, since this dispute is about accurate termination of a credit agreement and the provision of timely, accurate and relevant information to the customer and/or the wrongful reporting of a default.

I appreciate if you're mid-house purchase, then all of this complaining and escalation is time consuming and distracting, but it's an evil necessity when fighting the monolithic incompetence on display here.

Forum Team
Forum Team

Hi Garveybarnes1

Thanks for posting and welcome to the community.

I am sorry for the confusion over this default. If we have sent you a cheque refund for a previously held account with us, then a default shouldn't be for the same account as the one the cheque was on.

Therefore if a balance was overdue and then subsequently settled, it'd be noted as a 'satisfied default'

I will send you a PM though to check this for you.

Kind regards,

Forum Team

Need a helpful hand to show you how to make a payment? Check out our guide - How to pay my Virgin Media bill